Kansas General Liability Insurance

8:00am - 5:00pm Mon-Fri

Will reply in 15min*

Index Links

Contact Us


5838 W. 21st Street
Wichita, KS 67205

1106 W. 31st Street South
Wichita, KS 67217

1701 Landon Street
Hutchinson, KS 67502

Speak with us today!

We can help you with any of your insurance needs!

Business owners in Kansas face several risks associated with operating their companies. These include:

  • Bodily injury or property damage caused by negligent acts of the business or its employees
  • Liability for losses related to product liability claims
  • Advertising liability claims, such as libel and slander
  • Claims related to non-performance of contractual obligations
  • Injury caused by a defective product or service offered by the business
  • Damages from a breach of fiduciary duties
  • Negligence resulting in personal injury and/or property damage caused by the business or its employees

To protect against these risks, Kansas requires businesses to purchase Commercial General Liability insurance coverage. Commercial General Liability insurance covers legal costs and damages resulting from third-party lawsuits brought against a business for bodily injury, property damage, advertising injuries, and other covered liabilities.

General Liability Insurance Costs in Kansas

The cost of Commercial General Liability insurance in Kansas ranges between $300 and $5,000 per year. However, the exact cost of insurance will depend on several factors, which include:

  • Amount of coverage – The amount of coverage you choose will affect the cost of your Commercial General Liability Insurance policy. Higher coverage limits in Kansas typically mean higher premiums but provide more financial protection against potential losses.
  • Type of business – Your business will also affect the cost of your Commercial General Liability insurance policy. For example, a business in the construction industry typically faces higher risks than an office-based business, so its premiums may be more expensive.
  • Number of employees – Your number of employees will also influence the cost of your Commercial General Liability Insurance policy. The more people that work for your business the greater the risk of potential losses and damages, so your premiums could be higher.
  • Industry and risk factors – The industry and any risk factors associated with your business will also affect the cost of your Commercial General Liability Insurance policy. Businesses with higher risks, such as hazardous materials or difficult work environments, may pay more for their coverage.
  • Deductibles – The deductibles you choose for your Commercial General Liability Insurance policy can also affect the premium. Higher deductibles mean lower premiums, as they reduce the insurer’s potential losses. However, if a claim is made, you must cover any costs up to your deductible limit.
  • Claims history – Your business’s claims history can also influence the cost of your Commercial General Liability Insurance policy. If you have a history of frequent or large claims, your premiums may increase as insurers are likely to view you as a higher risk. On the other hand, businesses with few or no claims tend to pay lower premiums.

Ultimately, the most important factor when it comes to determining the cost of Commercial General Liability Insurance in Kansas is finding a reliable insurer such as WINN Insurance Group who can provide you with a comprehensive policy at the best possible rate.

We’re Your Trusted General Liability Insurance Provider in Kansas

WINN Insurance Group is the trusted Commercial General Liability Insurance provider in Kansas. Our team of experienced insurance professionals will work with you to customize a policy that meets all your business needs while ensuring you get the best possible rate.

We understand the unique risks associated with doing business in Kansas, so our policies include coverage for property damage, bodily injury, legal defense, and more. We also offer deductibles tailored to your budget so that you can keep your premiums as low as possible without sacrificing quality coverage.

No matter what type of business you run, WINN Insurance Group will help protect it against potential losses and damages with reliable Commercial General Liability Insurance in Kansas.

Contact us today to discuss your coverage options – we look forward to working with you!

Who Needs Commercial General Liability Insurance in Kansas?

Anyone who owns or operates a business in Kansas should have Commercial General Liability Insurance. This includes the following professionals:

  • Accountants
  • Cleaning services
  • Consultants
  • Contractors
  • Dry cleaners
  • Food trucks
  • Lawn care businesses
  • Manufacturers
  • Personal trainers
  • Real estate agents
  • Restaurants

These are just a few of the many types of businesses that can benefit from Commercial General Liability Insurance in Kansas.

Coverages Provided by General Liability Insurance in Kansas

General liability insurance provides businesses in Kansas with coverage for a variety of liabilities. They include:

Bodily Injury

Bodily Injury coverage protects businesses from claims of injury or death that may occur to customers, employees, visitors, or members of the public. This coverage can help pay for medical expenses, legal costs, lost wages, and other damages resulting from a covered incident.

Property Damage

Property damage coverage helps protect businesses from claims arising from damage to someone else’s property caused by their negligence or actions. This includes physical structures such as buildings and equipment as well as personal items like furniture and clothing. It can help cover repairs or replacement costs associated with the incident.

Personal & Advertising Injury

Personal & Advertising Injury coverage helps protect businesses from claims of libel, slander, copyright infringement, or other forms of injury to another person’s reputation or business. This coverage is especially important for businesses in highly competitive industries that rely on their brand and reputation. It can help cover legal costs associated with defending against these types of claims.

Medical Payments

Medical payment coverage helps protect businesses from unexpected medical expenses resulting from a covered incident. This includes medical bills for visitors to the business premises who may have suffered an injury while on-site. It can also help cover transportation costs if the injured party needs to be taken to a hospital or doctor’s office for treatment.

Product Liability

Product liability coverage helps protect businesses from claims resulting from defective products. This includes faulty manufacturing, design flaws, or inadequate warning labels on products that cause injury or property damage to the purchaser. It can help cover legal costs associated with defending these types of lawsuits as well as any damages awarded in a successful claim.

Legal Defense and Judgments

Legal defense and judgment coverage help protect businesses from the costs associated with defending a lawsuit or paying out an award in a successful claim. It can help cover legal fees such as court filings, attorneys’ fees, settlements, and other court-related expenses.

This coverage is important for any business that finds itself on the wrong side of a lawsuit, as it can help protect them financially should they be forced to pay out damages.

Determining Your Commercial General Liability Coverage Needs in Kansas

In order to make sure you’re adequately protected from potential liabilities in Kansas, it’s important to take the following steps:

  • Determine the size and scope of your business: The scope of your business will help you determine which types of coverage are best suited for your needs. For example, a small retail store may need less coverage than a large manufacturing company.
  • Assess your risk factors: Consider what type of risks you face in your industry and assess whether or not they could lead to liability claims. Think about how often visitors come onto the premises, what products or services you provide, and any potential hazards that could lead to injuries or property damage.
  • Know the basics: Familiarize yourself with the basics of commercial general liability insurance so you know what it covers and what it doesn’t cover. Gather information from multiple insurers so you can compare coverage and prices.
  • Get the right amount of coverage: When selecting a policy, be sure to get enough coverage to protect your assets. Many businesses underestimate their liability needs, but the right amount of coverage will ensure that you are protected in the event of a claim.
  • Consider additional coverages: You may also want to invest in additional coverages such as employment practices liability insurance or cyber liability insurance if they are relevant to your business operations.
  • Choose an experienced insurer: A trusted and experienced insurer such as WINN Insurance Group can help you understand the different coverages available and provide guidance on how to select the right policy for your needs.
  • Review your policy regularly: Make sure to review your policy each year and discuss any changes with your insurer so that you have adequate protection in place.

By following these steps, you can ensure that you have an appropriate commercial general liability coverage plan in place to protect your business in Kansas.

Kansas Commercial General Liability Insurance Discounts

Commercial vehicle owners in Kansas can take advantage of several discounts on their commercial general liability insurance:

  • Multi-policy discount: Insuring both your business and personal vehicles with the same insurer can help you save money through a multi-policy discount.
  • Safety features: Installing safety systems such as fire alarms, smoke detectors, and security cameras may qualify you for a discount.
  • Training programs: Offering educational or training programs to employees may make you eligible for a discounted rate.
  • Bundling discounts: Bundling your commercial general liability policy with other policies such as property insurance or workers’ compensation insurance may qualify you for even more savings.
  • Good driving record: Drivers with clean records may be eligible for additional discounts.
  • Driver experience discounts: Experienced drivers who have been employed with your company for more than three years may qualify for further reductions in premiums.
  • Group discounts: Joining certain trade associations or groups that provide special discounts may help you save money on your commercial general liability insurance.
  • No claims bonus: A no-claims bonus is a discount based on the number of years you have gone without filing any claims with your insurer. This can result in significant savings over time.

By taking advantage of these discounts, you can reduce the costs associated with your Kansas commercial general liability insurance and ensure adequate coverage for your business operations.

Having Questions? Contact Us Today.

At WINN Insurance Group, we are committed to helping you find the right insurance solution for your business. Our knowledgeable agents can assist you in finding competitive rates and discounts on your commercial general liability insurance so that you can protect your business while keeping costs down.

Contact us today for more information about our Kansas commercial general liability insurance discounts. We look forward to hearing from you!

Request a Quote

Get a commercial general liability insurance quote online today!

Get started today

Prefer to speak with an agent now?